O&M Service
O&M Financial Services Ltd is authorised and regulated by the Financial Services Authority. We must comply with the "conduct of
business" rules laid out for Independent Financial Advisers.
This does not mean the process will be complicated, merely structured, so it is easy for a client to follow.
How Transfer Adviser Works
For O&M to investigate your pension transfer options there are three main stages involved. They are;
- Instruction & Client Authority - The first stage requires the person with a preserved or
"frozen" company pension to instruct O&M to start the investigations. As we will need to contact your
ex-employers pension department, we will need your written authority.
- Investigation & Research - Using the information we gather about your preserved company pension scheme benefits, we
will then be able to produce a comprehensive "Transfer Analysis Report". To demonstrate we are impartial, we will also send
you a full copy of the report so you can assess the findings yourself.
- Summary & Recommendation - To accurately understand what you want from your pension, we will ask you to complete a
Pension Transfer Questionnaire. We will then use this and the analysis report to establish your requirements and
offer you advice based on all the information. As part of our on-going service we will be happy to discuss, in detail, our
report and recommendation to ensure you understand our advice.
We're Here To Help
Often, financial affairs can be difficult to digest, so to make the process easier to understand, we will summarise our
transfer report and lay out our advice in relation to your priorities identified in the questionnaire.
Most of our correspondence will be through the post. It is important we issue certain documents to you in a structured
way as the Financial Services Authority specify what we must send you.
To overcome any postal delays and to ensure you still have contact with a human being, you will have an assigned, dedicated,
Technical Pensions Analyst who you will be able to speak to about your case whilst we are producing our Transfer Analysis
Report. In addition to the analyst, you will also be able to contact your O&M Financial Adviser throughout the entire
process should you have any detailed queries.
To help you further, we've designed a dedicated website where you can easily track the progress of your own individual case
at any time, day or night!
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